InstantTransfers to every bank in Nigeria

Send money to any Nigerian bank. In seconds.

Fast, reliable bank transfers across Nigeria, plus airtime, data, bills, crypto to naira and payments to other African countries. All in one secure app.

Download on theApp StoreGet it onGoogle Play
The CloovaPay app home screen with wallet balance, a USD virtual card and recent transactions

Trusted by over 50 partner banks

Send to any of them in seconds, straight from your CloovaPay wallet.

  • Zenith Bank
  • GTBank
  • Access Bank
  • First Bank
  • UBA
  • OPay
  • Moniepoint
  • PalmPay
  • Kuda
  • Fidelity Bank
  • Sterling Bank
  • Wema Bank
  • Union Bank
  • FCMB
  • Stanbic IBTC
  • Ecobank
  • Polaris Bank
  • Keystone Bank
  • Providus Bank
  • Unity Bank
  • Jaiz Bank
  • 9PSB
  • VFD
  • Citibank

Partner banks include Zenith Bank, GTBank, Access Bank, First Bank, UBA, OPay, Moniepoint, PalmPay, Kuda, Fidelity Bank, Sterling Bank, Wema Bank, Union Bank, FCMB, Stanbic IBTC, Ecobank, Polaris Bank, Keystone Bank, Providus Bank, Unity Bank, Jaiz Bank, 9PSB, VFD, Citibank.

What CloovaPay does

One app. Every way your money needs to move.

Bank transfers come first, and everything else you pay for daily sits right beside them in the same app.

A smiling Nigerian woman sending money on her phone

Bank transfers

Send to any bank account in Nigeria in seconds. Recipient name confirmed before you pay.

USDTBTCETHBNBLTC

Crypto to naira

Sell crypto at live rates and get naira you can send to any Nigerian bank.

Airtime & data

MTN, Airtel, Glo and 9mobile. Top up yourself or anyone, instantly.

Electricity & TV

Prepaid meters, DStv, GOtv and Startimes in a few taps.

Virtual dollar card

A USD Visa for Netflix, Spotify, Amazon and more.

Gift cards

Buy or sell gift cards at clear rates.

GHSKESXAFUGX

Send to other African countries

Pay school fees in Accra or support family in South Africa. Send from naira, they receive in local currency.

Book flights

Find and pay for your next trip in the app.

Rewards

Earn on referrals, bills and daily check-ins.

Nigerian bank transfers

Every bank. Every time. No stories.

Send to any bank account in Nigeria. Type the account number, we confirm the name, you send. The money lands in seconds.

Works with all Nigerian banks and fintechs
Recipient name confirmed before you pay
Receipts you can share on WhatsApp
Save beneficiaries for next time
Start sending
A Lagos market trader receiving payment on her phone
Send to bank
Bank
GTBank
Account number0123456789CHINEDU OKAFOR
Amount₦85,000.00
Fee shown before you sendArrives in seconds
Send money
Crypto to naira

Cash out your crypto without the wahala.

No P2P back-and-forth, no waiting on strangers. Sell at a live rate you see before you confirm, then send your naira to any Nigerian bank.

Live rates, locked when you confirm
USDT, BTC, ETH, BNB and LTC supported
Every trade tracked in your history
Sell crypto now
Sell crypto
You sell
500.00₮USDT
You receive
Naira, instantly₦NGN
Live rate shown before you confirm
Sell to naira
Send to Africa

Family in Accra. Business in South Africa. Send like they’re next door.

Pay from your naira balance and your people receive in their own currency. You see the rate and the fee before you hit send.

A Nigerian family on a video call

From Nigeria to:

GhanaGHS
KenyaKES
CameroonXAF
UgandaUGX
South AfricaZAR
RwandaRWF
Fees shown upfrontKnow exactly what you pay and what they get.
Live exchange ratesRates update in real time, locked when you confirm.
Track every transferSee when it leaves and when it lands.
Virtual dollar card

Shop the world from your naira wallet.

Create a USD Visa card in minutes. Fund it from naira and pay for Netflix, Spotify, Amazon, AliExpress, Canva and your favourite online stores.

Freeze in one tapInstant charge alertsFund from naira
Get your card
A man holding his CloovaPay virtual dollar card
CloovaPay Rewards

Your everyday payments, paying you back.

T&C apply. Limited winners.
A family enjoying quality time together
Bring your squad, earn ₦10,000Share your code. When they join and transact, you win.
Invite friends
Daily check-inTap in every day to collect
Up to ₦200k
Bill payment drawPay bills, stand a chance to win
₦100k
First gift card tradeBonus on your first trade
+$100
Cloova pointsEarn on every payment you make
Security

Your money, protected on every tap.

Every transfer is covered by encryption, identity checks and fraud monitoring, and nothing leaves your wallet without your PIN or biometrics.

Face ID, fingerprint & PIN
Encrypted end to end
Fraud monitoring
Instant alerts
Nigeria Data Protection Commission (NDPC) certification sealNDPC certifiedCertified by the Nigeria Data Protection Commission, so your personal data is handled to national standards.
CloovaPay security lock
The CloovaPay app home screen with wallet balance, a USD virtual card and recent transactions
Get started

Your first transfer, before your suya is ready.

  1. 01
    Download the appFree on the App Store and Google Play.
  2. 02
    Verify your identitySign up and verify quickly with your BVN.
  3. 03
    Fund and goFund your account by bank transfer, then send, pay and top up.
The CloovaPay community

Built for the people who keep Africa moving.

Traders, students, creators and business owners send, receive and pay with CloovaPay every day.

Traders & market sellersGet paid by bank transfer and send stock money to suppliers in seconds.
StudentsTop up airtime and data, split bills with friends, and shop online with a dollar card.
Business owners & creatorsPay staff and vendors, sell crypto for naira, and track every payment in one place.
Loved across Nigeria

Real people. Real payments.

★★★★★
“CloovaPay has completely changed how I manage my money. Sending and receiving payments is instant, and I feel so much more in control.”
Adaeze Okonkwo@adaeze_pays
★★★★★
“The virtual card feature is incredible. I use it for all my online shopping and never worry about security. The app is clean and super easy to use.”
Emeka Bright@emeka_b
★★★★★
“I referred three friends and got rewarded instantly. The referral program actually works! Plus the real-time alerts keep me on top of everything.”
Fatima Aliyu@fatima.saves
FAQ

Questions, answered.

Can’t find what you need? Our team is one tap away in the app.

Visit Help Center
Which banks can I send money to?

Any bank or fintech account in Nigeria. We confirm the account name before you send, so your money always goes to the right person.

Is CloovaPay safe to use?

Yes. CloovaPay uses encrypted storage, multi-layer authentication (PIN, Face ID or fingerprint), fraud monitoring and real-time alerts to keep your money safe.

How do I sell crypto for naira?

Open Assets in the app, choose the coin, and send it to your CloovaPay wallet address. Once the deposit confirms, it's converted at the live rate and settled to your naira wallet.

Which African countries can I send money to?

Open Send to Africa in the app to see every country currently available. Your recipient gets paid in their local currency, and you see the rate and fee before you confirm.

What are the transfer fees?

The fee for every transfer is shown clearly before you confirm, so there are never surprises.

Can I get a virtual dollar card?

Yes. Create a USD Visa card in the app in minutes, fund it from your naira balance, and use it for online payments like Netflix, Spotify and Amazon.

Where can I download CloovaPay?

CloovaPay is free on the Apple App Store and Google Play. Search “CloovaPay” in either store, or tap any download button on this page.

Your money, finally working for you.

Join thousands of Nigerians sending, spending and saving smarter. Free to download — set up in minutes.

Download on the App StoreGet it on Google Play